All posts by Bruce E Cox CPA

A Tax Free 401k Alternative

A Tax Free 401k Alternative

Is Superior to a 401k

It has been called the perfect solution because:

  • You don’t lose money when the markets go down, so you are never digging out of an investment hole.
  • You share in market upside when the markets go up, subject to an annual market cap rate, currently 13% to 16%.
  • You’ll earn a reasonable rate of return.
  • Gains are locked in annually, so you never give back profits previously earned.
  • Withdrawals are tax-free penalty free at any age for any reason.
The Tax Free 401k Alternative eliminates 3 wealth killing elements of a 401k: Market losses, Taxes and Wall Street Commissions, Hidden Fees and Expenses
The Tax Free 401k Alternative eliminates 3 wealth killing elements of a 401k: Market losses, Taxes and Wall Street Commissions, Hidden Fees and Expenses

The Tax Free 401(k) alternative has been called the perfect retirement solution.  It has been used by the wealthiest American Families for more than 20 years to cut taxes and preserve capital.

It eliminates the 3 Wealth Killers dragging down 401k returns:  Market Losses, Taxes and Wall Street hidden fees, commissions and expenses.

You may only be a 40.2% Partner in your 401k. Wall Street and the IRS own the rest.
You may only be a 40.2% Partner in your 401k. Wall Street and the IRS own the rest.

Call 800-955-7898 for a free illustration

More videos at Taxfree.guru, retirement-toolbox.com and tax-free-income.com

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How A Tax-Free Retirement Plan Restores Retirement Dreams

How A Tax-Free Retirement Plan Restores Retirement Dreams

Wall Street Commissions, Hidden Fees and Expenses could take a third of your retirement account over 30 years. Add in Taxes and you might only be a 40.2% Partner in your 401k.
Wall Street Commissions, Hidden Fees and Expenses could take a third of your retirement account over 30 years. Add in Taxes and you might only be a 40.2% Partner in your 401k.
The Tax-Free Retirement Plan eliminates 3 wealth killers dragging down 401k returns.
The Tax-Free Retirement Plan eliminates 3 wealth killers dragging down 401k returns.

Will you be strapped for cash in retirement or will your retirement dreams be restored?  Will you enjoy travel, leisure activities like golf, quality time with your grand children, and activities with your spouse?

The Tax-Free Retirement Plan can help make your retirement years special, helping you accumulate enough money to provide income for 30 to 40 years of retirement.

The Tax-Free Retirement Plan eliminates 3 Wealth Killers:  Market losses, Taxes and Wall Street commissions, hidden fees and expenses.

Market losses are forever and compound just like gains. The money lost never works for you again.  Remaining funds have to do double duty playing catch up as you dig out of an investment hole.

Taxes are another wealth killer.  Did you know that if you withdraw $50,000 from your 401(K) the IRS could take $20,000?  If you leave $500,000 to your spouse and kids in your 401(k) the IRS could take $200,000?

Your 401(k) is one of the most expensive ways to save for retirement.  Wall Street Commissions, hidden fees and expenses can reduce your 401(k) balance by 33% over 30 years.  In other words, after 30 years, your 401(k) balance would be 50% higher without these fees.  This could cost you more than $500,000 over your working years.

Bottom line, you may only be a 40.2% partner in your 401(K)

33.0% to Wall Street

26.8 % to IRS (40% of 67%)

40.2% to you

The Perfect Retirement Solution, known as a Tax-Free Retirement Plan, a Tax-Free Pension Alternative, Living Benefit Life Insurance and a Tax-Free IUL eliminates the 3 Wealth Killers:  Market losses, Taxes and Wall Street commissions, hidden fees and expenses.

It has been called the perfect solution because:

  • You don’t lose money when the markets go down, so you are never digging out of an investment hole.
  • You share in market upside when the markets go up, subject to an annual market cap rate, currently 13% to 16%.
  • You’ll earn a reasonable rate of return.
  • Gains are locked in annually, so you never give back profits previously earned.
  • Withdrawals are tax-free penalty free at any age for any reason.

Tax-Free is better.  Watch the short video and call us with comments and questions. 

You can also request a free retirement plan comparison.

The Perfect Retirement Solution

The Perfect Retirement Solution

A 401k may be the worst way to save for retirement because they are subjected to 3 wealth killers that can strangle your retirement plan.  the perfect retirement solution eliminates these wealth killer.
A 401k may be the worst way to save for retirement because they are subjected to 3 wealth killers that can strangle your retirement plan. the perfect retirement solution eliminates these wealth killer.

The Perfect Retirement Solution, also known as a Tax-Free Pension Alternative, Living Benefit Life Insurance and a Tax-Free IUL solves this wealth killer by eliminating taxes and penalties on withdrawals.

It has been called the perfect solution because:

  • You don’t lose money when the markets go down, so you are never digging out of an investment hole.
  • You share in market upside when the markets go up, subject to an annual market cap rate, currently 13% to 16%.
  • You’ll earn a reasonable rate of return.
  • Gains are locked in annually, so you never give back profits previously earned.
  • Withdrawals are tax-free penalty free at any age for any reason.
Retirement-Toolbox LLC educational videos. Information you can use.  Discover the perfect retirement solution.
Retirement-Toolbox LLC educational videos. Information you can use. Discover the perfect retirement solution.

More videos at bruceecoxcpa.com tax-free-retirement-plans.com tax-free-income.com and dependable-income.com

Call Bruce E Cox CPA at 800-955-7898 for more information and an illustration.

 

Looming Retirement Tax-Traps Ahead-Are You Prepared?

Looming Retirement Tax-Traps Ahead-Are You Prepared?

Looming Tax-Traps lurk ahead.  Are you prepared?
Looming Tax-Traps lurk ahead. Are you prepared?

Did You Know

that if you withdraw $50,000 from your 401(k), the IRS could take $20,000?

if you leave $500,000 in your 401(k) to your spouse or kids, the IRS could take $200,000?

that up to 85% of your social security income could be taxed if your income (including 401 k ) is over $40,000 on a joint tax-return?  See calculator.

Medicare Part B premiums are needs tested, so your monthly premiums could triple if you make a lot of money (including your 401 k distributions)?

Tax-Traps will take a bite out of your retirement!
Tax-Traps will take a bite out of your retirement!

Are Your Retirement Planning Ideas Outdated?

Retirement Planning

Could Your Retirement Planning Ideas Be Outdated?  Are there better options available you are not aware of?  Most likely the answer is yes.  So, when do you want to find out, now when you can do something about it, or 20 years from now when it might be too late to shift course?

There has been a “Paradigm Shift” in Retirement Planning.  New thinking could triple your income after-taxes compared to 401(k) or 403(b) plan income.

This favorable IRS allowed strategy lends itself to “Zero” Tolerance for Retirement Taxes and “Zero” Tolerance for Stock Market Losses.

You no longer have to risk capital to earn a reasonable rate of return.

This relatively unknown tax-free solution has been quietly used by America’s wealthiest families to cut taxes and preserve capital.

The Tax-Free Pension Alternative, also known as living benefit life insurance or a Tax-Free IUL eliminates taxes and stock market losses.  It has been called a perfect retirement solution.

  • You don’t lose money when the markets go down, so you are never digging out of an   investment hole!
  • You Share in Market Upside when Markets go up, up to a cap rate currently 13.0% to 16.0%!
  • You’ll Earn Reasonable Rates of Return!
  • Your Gains are locked in annually, so you never give back profits already earned!
  • Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter!
  • You can generate a Tax-Free Income You Won’t Outlive!

Retirement plans such as IRAs, 401(k)s and 403(b)s are heavily taxed when you withdraw money.  This looming tax-trap is a ticking time bomb that could blow up your retirement dreams.   Your looming tax-trap could be 6 figures.  The tax-free pension alternative gets rid of taxes on future contributions once and for all.  Additional strategies can help limit the damage on past contributions.

Many people by default follow conventional wisdom.  The same path their parents and grandparents followed.  They max contribute to a 401(k) or 403(b) retirement plan and in doing so they subject their future retirement withdrawals to substantial income taxes and stock market losses.  The double whammy of taxes and stock market losses could crush your retirement dreams.

Tax-Free is better.  Watch the short video, read the eBook referenced in the video and call us with comments and questions.

Protect Your Retirement with a Tax-Free Pension Alternative

How To Protect Your Retirement with a Tax-Free Pension Alternative

Retirement Strategies: The Tax-Free Pension Alternative

You can protect your retirement with a tax-free pension alternative. With almost $18 trillion in debt and $118 trillion in unfunded liabilities for Social Security, Medicare and Prescription Drugs can you count on Social Security? Can you afford stock market losses?

What if you could generate a tax-free income for life with no downside risk? Watch this video.
Learn how you can eliminate Tax-Traps and kick your future retirement up a few levels … where the money is staggering and lifestyle options are mind blowing.

IRAs, 401(k)s and 403(b) retirement plans are heavily taxed and could cost you hundreds of thousands of dollars. So, skip the 401(k) herd mentality leading you to a tax slaughter. Discover an under the radar, little known IRS Strategy used by America’s wealthiest families to cut taxes and preserve capital.

The tax-free pension alternative works. It is also known as a tax-free IUL or living benefit life insurance. This tax-free retirement plan has been called the perfect retirement solution.

• You don’t lose money when the markets go down, so you are never digging out of an investment hole!
• You Share in Market Upside when Markets go up, up to a cap rate currently 13.0% to 16.0%!
• You’ll Earn Reasonable Rates of Return!
• Your Gains are locked in annually, so you never give back profits already earned!
• Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter!
• You can generate a Tax-Free Income You Won’t Outlive!

So, not only do you eliminate taxes you also get rid of yo-yo volatility and stock market losses once and for all. Plus, with this tax-free pension alternative, you decide how much and when to withdraw your money. Not the Government! There are no required minimum distributions (RMDs).

Pause the video and examine the two illustrations. It is a powerful, flexible catch up strategy if you have not put enough away for retirement.
New quick read eBook Explains How It Works

Kindle version https://www.amazon.com/dp/B00M0EQN0A

Free download and more videos https://www.bruceecoxcpa.com/

Eliminate Tax-Traps & Kick Your Future Retirement Up A Few Levels

Eliminate Tax-Traps & Kick Your Future Retirement Up A Few Levels

RetirementStrategiesTaxFreeisBetterEliminateTaxTrapsKick

Entrepreneurs, Small Business Owners and High Earners you can eliminate Tax-Traps and kick your future retirement up a few levels … where the money is staggering and lifestyle options are mind blowing.

IRAs, 401(k)s and 403(b) retirement plans are heavily taxed and could cost you hundreds of thousands of dollars. So, skip the 401(k) herd mentality leading you to a tax slaughter. Discover an under the radar, little known IRS Strategy used by America’s wealthiest families to cut taxes and preserve capital.

The Strategy works. It is a tax-free IUL or living benefit life insurance. This tax-free retirement plan has been called the perfect retirement solution, the Tax-Free Pension Alternative.

• You don’t lose money when the markets go down, so you are never digging out of an investment hole!
• You Share in Market Upside when Markets go up, up to a cap rate currently 13.0% to 16.0%!
• You’ll Earn Reasonable Rates of Return!
• Your Gains are locked in annually, so you never give back profits already earned!
• Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter!
• You can generate a Tax-Free Income You Won’t Outlive!

So, not only do you eliminate taxes you also get rid of yo-yo volatility and stock market losses once and for all.
New quick read eBook Explains How It Works

Kindle version https://www.amazon.com/dp/B00M0EQN0A

Free download and more videos https://www.bruceecoxcpa.com/

• So, if you hate paying taxes and hate even more losing money in the stock market, pay close attention.
• If you are worried you won’t have enough money to enjoy your retirement, this strategy will help you generate a tax-free income you won’t outlive.
• If you want to implement a gifting strategy for your children or grandchildren, the tax- free IUL is a vehicle that can keep on giving with a lifetime of tax-free income.
• If you like the idea of having a tax-free emergency fund to tap as needed, the tax-free retirement plan is for you.
• If you would like to be your own bank, funding big ticket items with retirement funds, paying interest to yourself rather than a bank, this could work for you.

Fortunately, the quick and easy to implement tax-free retirement solution addresses all of the above.

Imagine Getting Rid of Stock Market Losses and Still Earning A Reasonable ROR

Imagine Getting Rid of Stock Market Losses and Still Earning A Reasonable ROR

Imagine no longer suffering yo-yo volatility and gut wrenching stock market losses while earning tax-free income. This short video shows you exactly how to accomplish this and still earn a reasonable rate of return on your money. There’s more…

Volatility & Stock Market Losses eliminated with a Tax-Free IUL
Volatility & Stock Market Losses eliminated with a Tax-Free IUL

Would you be ok earning 6% to 9% tax-free on your money with no downside risk? It’s possible with The Perfect Retirement Solution. A Tax-Free Retirement Plan, also known as Living Benefit Life Insurance or Tax-Free IUL. Historically, these plans have averaged over 8%.

What’s the trade off? In exchange for no downside risk, annual upside is capped, currently 13% to 16%, depending on the index chosen and the Insurance Carrier. This means you earn up to the cap rate in any given year. Gains are locked in annually, so you never give back profits already earned.

During the market melt down of 2008, the S&P 500 and Nasdaq Indexes were down about 40%, but none of our clients lost money due to market volatility. Zero was their hero. Their money was safe and secure, and their income steady and reliable.

Stock Market Losses were eliminated with Tax-Free IUL, a safe money tax-free pension alternative
Stock Market Losses were eliminated with Tax-Free IUL, a safe money tax-free pension alternative

Properly structured Living Benefit Tax-Free IULs are approved by the IRS and this strategy has been used by America’s wealthiest families to cut taxes and preserve capital for more than 20 years. It works.
New quick read eBook Explains How It Works

Kindle version https://www.amazon.com/dp/B00M0EQN0A

Free download and more videos https://www.bruceecoxcpa.com/

• So, if you hate paying taxes and hate even more losing money in the stock market, pay close attention.
• If you are worried you won’t have enough money to enjoy your retirement, this strategy will help you generate a tax-free income you won’t outlive.
• If you want to implement a gifting strategy for your children or grandchildren, the tax- free IUL is a vehicle that can keep on giving with a lifetime of tax-free income.
• If you like the idea of having a tax-free emergency fund to tap as needed, the tax-free retirement plan is for you.
• If you would like to be your own bank, funding big ticket items with retirement funds, paying interest to yourself rather than a bank, this could work for you.

Fortunately, the quick and easy to implement tax-free retirement solution addresses all of the above.

Ed Slott Discusses Tax Free IULs & Living Benefit Life Insurance

Ed Slott Discusses Tax Free IULs and Living Benefit Life Insurance

Ed Slott discusses Tax Free IULs is a must watch video for those seeking financial independence and a mind blowing retirement.

https://youtu.be/t3eHZT9ErxoIUL 

 

Tax-Free IULs are an IRS Alternative To 401(k) and 403(b) retirement plans with no downside risk.

• You don’t lose money when the markets go down!
• Share in Market Upside when Markets go up!
• Earn Reasonable Rates of Return!
• Gains Locked In Annually!
• Tax-Free Penalty Free Withdrawals at any age!
• Tax-Free Income You Won’t Outlive!

Contact us at 800-955-7898 for a personal illustration.

Ed Slott discusses Tax-Free IULs and Living Benefits Life Insurance
Ed Slott discusses Tax-Free IULs and Living Benefits Life Insurance
Retirement-Toolbox LLC educational videos. Information you can use.
Retirement-Toolbox LLC educational videos. Information you can use.

Professional Athletes: Secure Your Financial Future With A Tax-Free Solution

Professional Athletes:  Secure Your Financial Future With A Tax-Free Solution

You have seen the stories, a staggering number of Professional Athletes and Entertainers filing Bankruptcy despite earning millions of dollars in salary or royalties. 78% of NFL players, 60% of NBA players and a large number of MLB players are bankrupt within 5 years of leaving the game. Plenty of Celebrities and Entertainers, actors, musicians, singers have joined the list too.

Professional Athletes Get rid of stock market losses and retirement taxes and secure your financial future with a tax-free solution
Professional Athletes Get rid of stock market losses and retirement taxes and secure your financial future with a tax-free solution

You can secure your financial future with a little known tax-free solution that America’s wealthiest families use to preserve capital and cut taxes.

Imagine retiring at age 35 with $301,000 of tax-free income for life; or at age 40 with $384,000 of tax-free income for life. It’s possible to make this happen with a little discipline. Beginning at age 25 you invest $500,000 per year for 5 years and average 7% per year on your money. Historical returns have averaged over 8%.

This little known strategy has flown under the radar for 20 years. Most advisors have never heard about the strategy or did not realize how powerful it has become.

It has been called The Perfect Retirement Solution and The 401(k) Replacement.
• You don’t lose money when the markets go down, so you are never digging out of an investment hole!
• You Share in Market Upside when Markets go up, up to a cap rate currently 13.5% to 16.0%!
• You’ll Earn Reasonable Rates of Return!
• Your Gains are locked in annually, so you never give back profits already earned!
• Tax-Free Penalty Free Withdrawals at any age, the ultimate tax shelter!
• You can generate a Tax-Free Income You Won’t Outlive!

New eBook Explains How It Works

Kindle version https://www.amazon.com/dp/B00M0EQN0A

Free download and more videos https://www.bruceecoxcpa.com/

• So, if you hate paying taxes and hate even more losing money in the stock market, pay close attention.
• If you are worried you won’t have enough money to enjoy your retirement, this strategy will help you generate a tax-free income you won’t outlive.
• If you want to implement a gifting strategy for your children or grandchildren, the tax- free IUL is a vehicle that can keep on giving with a lifetime of tax-free income.
• If you like the idea of having a tax-free emergency fund to tap as needed, the tax-free retirement plan is for you.
• If you would like to be your own bank, funding big ticket items with retirement funds, paying interest to yourself rather than a bank, this could work for you.

Fortunately, the tax-free retirement solution addresses all of the above.